Given that life and health insurance coverage commissions are front-loaded, agents usually do not receive a commission after the third policy renewal. Sometimes, captive and independent representatives may earn contingent commissions, which are incentive-based. Insurer or companies may set particular goals for attaining contingent commissions, such as: Reaching a certain volume of businessPolicy retentionGrowing a particular line of insuranceOverall success Overall, no matter the kind of representative, the greater an agent's book of service, the more commissions he or she makes.

Many U.S. states have disclosure laws that require representatives and brokers to supply this info. Some insurance agents might get quarterly, semiannual, or year-end bonuses based upon their sales performance. For captive agents, performance bonuses can amount to 20% or more of their income. Independent representatives generally do not get performance perks unless they work

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